Originally Posted by
Ian W
The word used by both Airbus and Boeing was autonomous. This is not a 'remotely piloted aircraft system' RPAS. It is a fully automated autonomous aircraft. That of course does not mean that there will be no issues with insurance but the savings of an autonomous system could allow insurance rates to go a lot higher and still make the autonomous aircraft significantly cheaper.
The human on the loop systems in most of the modern aircraft are effectively autonomous aircraft with a pilot on standby watching in theory ready to pick up the bag of bolts if something goes wrong. The autonomous systems planned would be more capable than the current systems and will not have the easy escape for the system designer of "if this happens give it to the pilot".
Your reasoning has a bias.
Why would the insurance rates go up ? Because airplanes would crash more.
Therefore it would be inefficient, since passengers care so much about safety (or rather, since passengers overestimate so much the danger of flying)